Navigating the ins and outs of paying property taxes can make even seasoned homeowners sweat. With property tax rates varying by county and fluctuating every year, knowing how much you owe can be difficult.

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Property tax 101

Here’s a quick breakdown of how property taxes work:

Taxpayers have to pay property tax on real property—basically any land they own and permanent structures on that land.

Tax rates are determined by a county assessor or appraiser. They look at current market values and budget needs of the local governments to determine tax rates.

Property tax rates can change frequently—usually when market values fluctuate or budget needs change.

Local governments use property taxes to fund public works like maintaining infrastructure, paying for schools, and funding emergency services.

Property taxes are basically a way for city and county governments to fund services that people in their community need and use.

MORE: Is car insurance tax deductible?

What is the property tax rate in St. Louis County?

St. Louis County has a current tax rate of 0.78%. Taxpayers in the county can expect to pay around $1,102 a year on average.

For a more detailed look at taxes in St. Louis County, you can go to the

St. Louis County government website

How St. Louis County property taxes are determined

There are a few steps involved in determining tax rates in St. Louis County.

First, the

county assessor

will determine what classification your property falls in (real estate, manufactured home, or agriculture), and then determine the value of that property.

Once the assessor determines the value of your property, the Auditor’s Tax Division multiplies the value of the property by two numbers—the

classification

percentage then the total tax rate of the district your property is in.

All of these calculations combined to provide the property tax rate for the county.

What do St. Louis County property taxes pay for?

Property taxes in St. Louis County fund several services, including the following:

K-12 public school districts

Operating costs of city and county governments

County Libraries

Maintaining city parks

Maintaining city and county roads

Emergency services and police force

For any questions about where your taxpayer dollars go, you can contact the auditor’s tax division at 218-726-2383.

MORE: How to deduct a car accident from your taxes

How to pay property taxes in St. Louis County

There are several due dates for property tax payments, depending on what classification your property falls under. Your property classification should be listed on your property tax statement. Property taxes are paid twice a year regardless of classification.

Real estate taxes are due May 15 and October 15.

Manufactured home taxes are due August 31 and November 15

Agricultural taxes are due May 15 and November 15

You can pay your taxes in a variety of ways including online, in-person, by mail, or through your mortgage payment. Here are the specifics of each:

Online: You can pay using MoneyGram or with an E-check by going to the

County Government website

. A service fee will apply for paying online.

By mail: You need to mail your payment and property tax statement to: St. Louis County Auditor, St. Louis County Courthouse, 100 N 5th Avenue West #214, Duluth, MN 55802.

In person: There are several drop boxes available, including at the St. Louis County Courthouse, Service Center, and Virginia Government Service Center.

Through your mortgage: Contact your mortgage company to see if you can pay your property taxes through your escrow account. You’ll pay a portion each month into your escrow account, and an escrow agent will make the property tax payments on your behalf.

MORE:

Minnesota car insurance laws—all you need to know

How to save money on homeowners and car insurance in Minnesota

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FAQs

When will I receive my property tax statement in St. Louis County?

Real estate tax statements are mailed in March of each year. Manufactured home statements are mailed in July.

What if I overpay on my taxes in St. Louis County?

If you pay more than what you owe on your property taxes, you’ll get a refund mailed to you.

What if I don’t receive my property tax bill in St. Louis County?

If you do not receive your property tax bill after the required mailing deadline, contact the Auditor’s Tax Division to have a duplicate copy sent to you.

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